Flash Loans: Uncollateralized DeFi Borrowing

·

Flash loans are one of DeFi’s most powerful innovations: borrow any amount, use it however you want, and repay it—all in a single transaction. If you don’t repay, the entire transaction reverts as if it never happened.

How It Works

  1. Smart contract borrows from flash loan pool
  2. Uses funds for any operations (arbitrage, liquidation, etc.)
  3. Returns principal + small fee (~0.09%)
  4. If not repaid, transaction reverts automatically

Use Cases

  • Arbitrage — Exploit price differences across DEXes
  • Liquidations — Liquidate positions without capital
  • Collateral swaps — Change lending collateral atomically
  • Self-liquidation — Unwind your own positions

Risks and Attacks

Flash Loan Attacks

Flash loans have been used in numerous exploits, typically to manipulate prices within a single block. Protocols must design oracle and timing mechanisms carefully.

Key Takeaways

  • Borrow any amount, repay in same transaction
  • No collateral needed—atomicity is the guarantee
  • Enables arbitrage and liquidations without capital
  • Small fee (~0.09%) for the service
  • Powerful tool but also used in exploits